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Jumpstart your investing with a robo-advisor. Schwab Intelligent Portfolios® is a robo-advisory service that helps build and manage your portfolio so you ... Skiptomainnavigation Skiptocontent FindaBranch ContactUs Call SchwabBrokerage 800-435-4000 SchwabPasswordReset 800-780-2755 SchwabBank 888-403-9000 SchwabIntelligentPortfolios® 855-694-5208 SchwabTradingServices 888-245-6864 WorkplaceRetirementPlans 800-724-7526 ...MorewaystocontactSchwab  Chat LogIn Schwab.com 中文登入 SchwabInternational SchwabAdvisorServices™ SchwabIntelligentPortfolios® SchwabAlliance SchwabCharitable™ RetirementPlanCenter EquityAwardsCenter® Schwab529 LearningQuest®529 Mortgage&HELOC CharlesSchwabInvestmentManagement(CSIM) PortfolioManagementServices OpenanAccount Accounts&Products Accounts Overview BrokerageandTrading BrokerageandTradingAccount TypesofBrokerageAccounts WhatisaBrokerageAccount RetirementandIRAs RetirementAccounts(IRAs) UnderstandingIRAs UnderstandingIRAs RothvsTraditional Withdrawals&Distributions Withdrawals&Distributions Age59&Under Age591/2&Above RequiredMinimumDistributions Calculators IRACalculators RothvsTraditional RothIRAConversion RMDs TraditionalIRA TraditionalIRAAccount WhatisaTraditionalIRA ContributionLimits WithdrawalRules RothIRA RothIRAAccount WhatisaRothIRA ContributionLimits RothIRAConversion WithdrawalRules IRARollover IRARolloverAccount WhatisaRolloverIRA RolloverIRA/401KRolloverOptions Combining401Ks HowtoRollovera401K InheritedIRA InheritedIRAAccount WithdrawalRules CustodialIRA EducationandCustodial Overview CollegeSavingsCalculator 529SavingsPlan Overview 529StateTaxCalculator LearningQuest529Plan EducationSavingsAccount CustodialAccount Overview CustodialTransfer PersonalChoiceRetirement SmallBusiness Overview SmallBusinessRetirement Overview Individual401(k) SEPIRA PersonalDefinedBenefitPlan Overview FAQs SIMPLEIRA Business401(k)Plan CompanyRetirementAccount MoreAccountsTypes OpenanAccount Trading&Research Overview TraderOffering TradePricing PlatformsandTools Overview TradingSoftware WebTrading MobileTrading OrderExecution SchwabOrderExecutionAdvantage™ OrderRoutingProcess PriceImprovement RetailExecutionQualityStatistics Research InvestmentProducts Overview MutualFunds MutualFundsOverview FindMutualFunds FindMutualFunds InvestorInformation BuildaPortfolio InvestinaPortfolioSolution UnderstandingMutualFunds Overview BenefitsandConsiderationsofMutualFunds CostsandFeesofMutualFunds ETFsvs.MutualFunds TypesofMutualFunds TypesofMutualFunds EquityMutualFunds IndexMutualFunds AssetAllocationMutualFunds TargetDateMutualFunds CommodityMutualFunds SociallyResponsibleMutualFunds ETFs Overview ETFsatSchwab Overview InvestorInformation SelectingETFs UnderstandingETFs Mutualfundsvs.ETFs BenefitsofETFs ETFCosts&Fees TypesofETFs Overview SectorETFs DividendETFs SmartBetaETFs SociallyResponsibleETFs BondETFs Commodity ETFs CurrencyETFs IndexFunds Stocks Overview UnderstandingStocks Overview Over-the-counter(OTC)securities MasterLimitedPartnerships(MLPs) RealEstateInvestmentTrusts(REITs) BusinessDevelopmentCompanies(BDCs) InternationalStocks Overview ADRs,ForeignOrdinaries&CanadianStocks Options Overview HowtoTradeOptions UnderstandingOptions Bonds,CDs&FixedIncome Overview UnderstandingFixedIncome SelectingBonds ThreeCommonErrors WhyinvestinFixedIncome FAQs IndividualBonds Overview CorporateBonds MunicipalBonds TreasuryBonds AgencyBonds Mortgage-BackedSecurities CertificatesofDeposit BondFunds,ETFsandPreferredStock BondMutualFunds BondETFs PreferredStock SelectingFixedIncome Overview FixedIncomePricing CDandTreasuryRollover BondLadders FixedIncomeSpecialists MoneyMarketFunds CashSolutions Cryptocurrency MoreInvestmentProducts Banking&Borrowing Overview BankOfferings Checking Overview SchwabBankDebitCard FAQs Savings HomeLoans&Rates StrategicBorrowing CreditCards FeaturedOfferings Overview SchwabStarterKit™ SchwabStockSlices™ RetirementIncomeSolutions SociallyResponsibleInvesting Advice AdviceSolutions Overview AutomatedInvesting AutomatedInvestingwithGuidance Overview CompareSolutions CompareOurSolutions CompareUsToOthers Resources AnIntroductiontoRobo-Advice RoboAdvisorMyths SchwabPrivateClient™ MoreAdviceSolutions FinancialPlanning overview FinancialPlanningOffering HowMuchYouNeedtoRetire PlanningCalculators ComplimentaryPlan AdviceHeadline Placeholder Getmoreadvice> AdviceHeadline Placeholder Getmoreadvice> Pricing Pricing Overview CommissionsandFees UnderstandingInvestmentFees TransferringAccounts Overview CostsandConsiderations OTHERDETAILS Overview ClientRelationshipSummaries Seehowwestackuptothecompetition. 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These8mentalmix-upscouldbecostingyoumoney.Doyouknowwhattheyare? Readmore> These8mentalmix-upscouldbecostingyoumoney.Doyouknowwhattheyare? Readmore> WhySchwab TheSchwabDifference Overview WhyChooseSchwab OurSatisfactionGuarantee OurSchwabSecurity Overview SecurityKnowledgeCenter SchwabSecurityGuarantee OurExperts Overview MeettheexpertsbehindSchwab'sinvestinginsights. WaystoInvestwithUs Overview Overview ManageandTradeyourOwnInvestments GetAutomatedInvestingwithProfessionalGuidance PlanandInvestwithanadvisor HowWeCompare Overview CompareUstoOurCompetitors EvaluateYourBroker SeeOur#1Rankings Morechoices.Morewaystoinvesthowyouwant. Automatedinvesting,professionaladvice,ortradeonyourown. Explorewaystoinvest> Morechoices.Morewaystoinvesthowyouwant. Automatedinvesting,professionaladviceortradeonyourown. Explorewaystoinvest> OpenanAccount LogIn FindaBranch ContactUs LogIn LookforwardtoplanningwithSchwab. OpenanAccount Findoutwhatplanningcandoforyou. Youdeservemore.Wecanhelp. Transparentpricingandlowcosts. Seeallourfees Howyouworkwithusisyourchoice. Choosewhat'srightforyou Yoursatisfactionisguaranteedandyoursecurityisourpriority. SatisfactionGuarantee SecurityGuarantee Getaheadstart. Get$50tosplitequallyacrossthetopfivestocksintheS&P500®,plusstep-by-stepguidesandothereasy-to-usetoolsfornewinvestors. Getstarted Takeyourtradingtothenextlevel. TakeyourtradingtothenextlevelwithourlatestinnovativetoolsandSchwab'smostadvanceddesktopplatform,StreetSmartEdge®. Learnmoreabouttrading Jumpstartyourinvestingwitharobo-advisor. SchwabIntelligentPortfolios®isarobo-advisoryservicethathelpsbuildandmanageyourportfoliosoyoudon'thaveto.AddourPremiumserviceforunlimitedguidancefromaCERTIFIEDFINANCIALPLANNERTM professional,nowforamonthlysubscriptionfee. Getstarted Investor'sBusinessDailyBestOnlineBrokers2021 SchwabwasratedaTopBrokerinthe2021Investor'sBusinessDailyBestoftheOnlineBrokersSurvey. Importantinformationaboutourrelationshipwithyou:ClientRelationshipSummaries OurClientRelationshipSummariesofferabriefsummaryofourservices,fees,andobligationswhenweworkwithyouinabroker-dealeroraninvestmentadvisoryrelationship. Learnmoreatschwab.com/transparency > Weencourageyourquestions. Hereareanswerstosometopquestionsfrominvestorslikeyou: Clickhere WhatistheSchwabSecurityGuarantee? UndertheSchwabSecurityGuarantee,Schwabwillcover100%ofanylossesinyourSchwabaccountsduetounauthorizedactivity.ReadmoreatSchwab.com/guarantee.   Clickhere HowmuchdoesitcosttoworkwithSchwab? $0onlinelistedstock,option, andETFtradecommissions1,2 Thousandsofnon-load,no-transaction-feemutualfunds3 NochargetoworkwithaSchwabFinancialConsultant(otheraccountfees,fundexpenses,andbrokeragecommissionsmayapply) *Seeallourpricing TherearecertaineligibilityrequirementsforworkingwithadedicatedFinancialConsultant. 1.Standardonline$0commissiondoesnotapplytoover-the-counter(OTC)equities,transaction-feemutualfunds,futures,fixed-incomeinvestments,ortradesplaceddirectlyonaforeignexchangeorintheCanadianmarket.Optionstradeswillbesubjecttothestandard$0.65per-contractfee.Servicechargesapplyfortradesplacedthroughabroker($25)orbyautomatedphone($5).Exchangeprocess,ADR,andStockBorrowfeesstillapply. SeetheCharlesSchwabPricingGuide forIndividualInvestorsforfullfeeandcommissionschedules. 2.ETFsatCharlesSchwab&Co.,Inc.("Schwab")whichareU.S.exchange-listedcanbetradedwithoutacommissiononbuyandselltransactionsmadeonlineinaSchwabaccount.UnlistedETFsaresubjecttoacommission.Pleaseseepricingguideforadditionalinformation.SchwabdoesnotreceivepaymenttopromoteanyparticularETFtoitscustomers.Schwab'saffiliateCharlesSchwabInvestmentManagement,Inc.("CSIM")servesasinvestmentadvisortotheSchwabETFs,whichcompensateCSIMoutoftheapplicableoperatingexpenseratios.TheamountofthefeesisdisclosedintheprospectusofeachETF. 3.TradesinnoloadfundsavailablethroughSchwab'sMutualFundOneSource®service(includingSchwabFunds),aswellascertainotherfunds,areavailablewithouttransactionfeeswhenplacedthroughschwab.comorourautomatedphonechannels.Foreachofthesetradeordersplacedthroughabroker,a$25servicechargeapplies.Schwab'sshort-termredemptionfeeof$49.95willbechargedonredemptionoffundspurchasedthroughMutualFundOneSource®serviceandheldfor90daysorless.Schwabreservestherighttochangethefundswemakeavailablewithouttransactionfeesandtoreinstatefeesonanyfunds.CharlesSchwab&Co.,Inc.receivesremunerationfromfundcompaniesparticipatingintheMutualFundOneSourceserviceforrecordkeepingandshareholderservicesandotheradministrativeservices.Schwabalsomayreceiveremunerationfromtransactionfeefundcompaniesforcertainadministrativeservices.  Therearenofeestoopenormaintainyouraccount.Otheraccountfees,fundexpenses,andbrokeragecommissionsmayapply. Clickhere HowdoIopenanaccount? Youcanopenanaccountonline,byphone,orinoneofover300branches. Clickheretoopenanaccountonlineinabout10minutes. Chooseyouraccounttype. Completeanapplication. Getstartedfundingandinvesting. Orcallusat800-435-4000orfindabranch. Clickhere WhatkindofinvestmentproductsdoesSchwaboffer? Schwab offersawideselectionofinvestmentproductstohelpyoubuildadiversifiedportfolioandreachyourgoals.  Clickhere Howeasyisittoswitchbrokerageproviders? Movingyourexistingaccounttoanewbrokeragefirmmayseemdaunting,butSchwabmakestheprocesseasy: OpenaSchwabaccount. Useouronlineaccounttransfertooltoinitiatetheprocessandmonitorprogress. ViewandaccessyourassetsinyourSchwabaccount. Needhelp?Ouraccounttransferspecialistscanassistyoueverystepoftheway. Callusat800-435-4000. ClickheretoopenaSchwabaccountorlogintobeginthetransferprocess. Clickhere WhyshouldIbankwithSchwabBank? You'llgetunlimitedATMfeerebates4plusnoforeigntransactionfees5andhavenoaccountminimumswhilebankinganytime,anywherewithSchwabMobile6.TheSchwabBankHighYieldInvestorChecking®7accountislinkedtoaSchwabOne®brokerageaccountsoyoucaneasilymanagebothaccountswithasinglelogin.  Therearenomonthlyaccountservicefees,you'llearninterestonyourbalance,andyouraccountisFDIC-insured8upto$250,000.You'llreceivefreestandardchecksonceyouraccountisfundedwithatleast$100,andSchwabBankBillPay™willbeactivatedandaVisa®PlatinumDebitCardwillbesentuponaccountopening. OpenaSchwabBankHighYieldInvestorCheckingaccountorlearnmore. 4.UnlimitedATMsurchargerebatesapplytocashwithdrawalsusingtheSchwabBankVisa®PlatinumDebitCardwhereveritisaccepted.ATMsurchargerebatesdonotapplytoanyfeesotherthansurchargesassessedforusinganATMtowithdrawcashinlocalcurrencyfromyourSchwabBankaccount.SchwabBankmakesitsbestefforttoidentifythoseATMsurchargeseligibleforrebate,basedoninformationitreceivesfromVisaandATMoperators.Intheeventthatyouhavenotreceivedarebateforaneligiblesurcharge,pleasecallaSchwabBankClientServiceSpecialistforassistanceat888-403-9000(orforclientsofindependentinvestmentadvisors,aSchwabAllianceServiceteamMemberat800-515-2157).SchwabBankreservestherighttomodifyordiscontinuetheATMsurchargerebateatanytime.  5.IfyouuseyourCardtowithdrawforeigncurrencyfromanATM,ortopayforapurchasewithforeigncurrency,SchwabBankchargesyouraccountfortheU.S.dollarequivalentofthetransaction.Dependingonthespecificarrangementsthatareinplace,theexchangeratewillbedeterminedbythebankatwhichyouconductthetransaction,thenetworktowhichtheATMbelongs,orVisa.  6.Requiresawirelesssignalormobileconnection.AccesstoElectronicServicesmaybelimitedorunavailableduringperiodsofpeakdemand,marketvolatility,systemsupgrade,maintenance,orforotherreasons.Functionalitymayvarybyoperatingsystemand/ordevice.Mobilecarrierdatachargesmayapply. 7.TheSchwabBankHighYieldInvestorChecking®accountisavailableonlyasalinkedaccountwithaSchwabOne®brokerageaccount.TheSchwabOnebrokerageaccounthasnominimumbalancerequirements,minimumbalancecharges,minimumtraderequirements,andthereisnorequirementtofundthisaccount,whenopenedwithalinkedHighYieldInvestorCheckingaccount.TolearnmoreaboutotherSchwabBankcheckingaccounts,pleasecontactSchwabBankat888-403-9000.  8.FundsdepositedatCharlesSchwabBankareinsured,inaggregate,upto$250,000basedonaccountownershiptype,bytheFederalDepositInsuranceCorporation(FDIC).   Takethenextstep. OpenanAccount Havemorequestions?We’reheretohelp. Call 800-435-4000 Chat Getliveonlineassistance24/7 Visit Findabranchnearyou Othersitesforadvisors,investmentprofessionals,andemployers: Advisors GetinformationaboutgoingindependentwithSchwabAdvisorServices™ orbecominganindependentfranchiseownerthroughSchwabFranchise. Investmentprofessionals GetinformationaboutSchwabFunds®andSchwabETFs™fromCharlesSchwabInvestmentManagement,Inc. Employers GetinformationaboutWorkplaceFinancialServices. CheckthebackgroundofCharlesSchwaboroneofitsinvestmentprofessionalsusing FINRA'sBrokerCheck. footerlinks ForClients DigitalServices MobileApps IndependentBranch SchwabFranchise AboutSchwab CorporateInformation SchwabCommunityService International HongKong,China London,UK Otherregions MultilingualServices 中文